New & deep in trouble

dsljfreeman

Read the newbie thread at the top of the board and post a soa, we can help you more when we have your details.

Other than that, welcome to the board, it's a lovely place to be and like me you will be one of the longhaulers, so grab a cuppa and make yourself comfortable :rotfl: xx

GettingThingsDone

Hi nowheretorun - you can run to DFWs, we'll try and help. As people above have said, an SOA would really help. You are definitely not alone.

Good luck and keep posting!

gtd

saver03

Hi and welcome nowheretorun. You have come to the right place as this site is filled with great tips and advice and the best part is the lovely people on the forum.

I think that you should post your statement of affairs (soa) and this will help you to see where all your money goes and if there are any savings you can make.

nowheretorun

GettingThingsDone wrote: »

Hi nowheretorun - you can run to DFWs, we'll try and help. As people above have said, an SOA would really help. You are definitely not alone.

Good luck and keep posting!

gtd

Thanks to you too

Indeed, every little well-wish goes a long way to helping build a positive mindset again. At least I know I am not the only one going through this! It sometimes feels like it, though. Still mourning my car that I had to sell yesterday. I loved it.

Scarlett.1974

nowheretorun wrote: »

Thank you so much Scarlett, really appreciated. :beer:

You're very welcome

Re the gambling - I don't want to be a nag, I really don't but you know you're never going to win don't you? Without turning this into 'me, me, me', I DO know what I'm talking about here, not through myself, but my husband. I'd say 80% of our financial problems are down to his gambling, which thank god he has stopped now - well, he had to, he had no choice, no money left to play with. He wanted to be a 'professional poker player', but the thing is, the only people that win are the poker sites/bookies.

Please, stop now, while you can, before it's too late. You're never going to win, you're not.

Scarlett xx

GettingThingsDone

Sorry to be harsh, but I think you've proven to yourself that spread-betting is not the way forwards for you. At what point are you going to stop? How painful are you going to make things for yourself?

Have a look at the snowballer at http://www.whatsthecost.com/snowball.aspx?country=uk - make sure you're comfortable and then put all your numbers in. The trick is to then work out how you can make your Debt Free Date an achievable date for you.

Chasing your gambling loses is sooo unlikely to work - get some help if you can't do it alone.

Keep positive!

gtd

nowheretorun

It is very hard to convince myself that I'm a loser. I don't want to do it ... I want to believe that I can be successful! I guess this is an addiction that needs to be overcome.

GettingThingsDone wrote: »

Sorry to be harsh, but I think you've proven to yourself that spread-betting is not the way forwards for you. At what point are you going to stop? How painful are you going to make things for yourself?

Have a look at the snowballer at http://www.whatsthecost.com/snowball.aspx?country=uk - make sure you're comfortable and then put all your numbers in. The trick is to then work out how you can make your Debt Free Date an achievable date for you.

Chasing your gambling loses is sooo unlikely to work - get some help if you can't do it alone.

gtd

dsljfreeman

nowheretorun wrote: »

Still mourning my car that I had to sell yesterday. I loved it.

We had to sell our car last month, it was a lovely car but one that we couldn't afford to run. Hubby bought a wee moped to get around, he bought it from ebay for £192, his budget was £400, so a few pennies left over.

There is a thread on here for the longhaulers, I'll find it and post a link, I'm not taking anything away from anyone on here, debt is debt and it's a horrible thing to have but sometimes it's nice to be among others with the same level of debt than you xx

nowheretorun

dsljfreeman wrote: »

We had to sell our car last month, it was a lovely car but one that we couldn't afford to run. Hubby bought a wee moped to get around, he bought it from ebay for £192, his budget was £400, so a few pennies left over.

There is a thread on here for the longhaulers, I'll find it and post a link, I'm not taking anything away from anyone on here, debt is debt and it's a horrible thing to have but sometimes it's nice to be among others with the same level of debt than you xx

Indeed ... and thanks. I guess I'm a longhauler too, as my level of debt isn't cleared in a few months ... I'm not counting on winning the lottery!

dsljfreeman

http://forums.moneysavingexpert.com/showthread.html?t=581094&page=9&highlight=long+haul

There you are my lovely xx